Claim Denied by Health Insurance? Try These Strategies

Do you have medical bills your insurance company doesn’t want to pay? You have several options as you explore different ways to pay the bills. If your insurance company won’t pay the bill, consider these ideas: Understand the out-of-network rules. Receiving care out-of-network is one of the most common reasons an insurance company denies payment.… Continue reading Claim Denied by Health Insurance? Try These Strategies

FSA, HSA, HRA, and MSA: Understanding Medical Expense Accounts

Medical expense accounts offer a tax-advantaged means to save and pay for medical expenses not commonly covered by health insurance. The four types of accounts are: Flexible Spending Arrangements (FSAs) Health Savings Accounts (HSAs) Health Reimbursement Arrangements (HRAs) Medical Savings Accounts (MSAs) These four accounts have different eligibility requirements and contribution rules. The benefits they… Continue reading FSA, HSA, HRA, and MSA: Understanding Medical Expense Accounts

Life Insurance Fraud – What You Need To Know

You’re probably familiar with the concept of insurance fraud since it has been around for a long time. The earliest recorded instance involves a merchant intentionally sinking his ship in 300 B.C.! The merchant drowned in the process. You might be surprised at insurance fraud’s adverse effects on your financial future and that of your… Continue reading Life Insurance Fraud – What You Need To Know

Easy Ways To Inventory Your Possessions For Insurance

Insurance companies can require you to provide an inventory of lost, stolen, or damaged items before paying for a claim. If you don’t have an accurate inventory, it could reduce the amount of money the insurance company pays you. Get the benefits you deserve! Consider these essential tips: Your insurance inventory is an integral part… Continue reading Easy Ways To Inventory Your Possessions For Insurance

Variable Universal Life Insurance (VUL) – How To Choose The Right Investment

A variable universal life insurance policy, known in the insurance industry as a “VUL,” has many benefits. It offers permanent life insurance and allows you to invest your cash value funds as you see fit within the policy. Apportionment of Your Money When You Purchase a VUL Unlike a term life insurance policy, a VUL… Continue reading Variable Universal Life Insurance (VUL) – How To Choose The Right Investment

When Do I Need A CPA?

Are You Getting All Your Deductions?

A Certified Public Accountant, or CPA, can help ensure that your small business accounting or individual taxes are accurate and complete.  Some businesses are small enough, such as home-based businesses, that a Certified Public Accountant is not needed for most accounting tasks.  However, there are times when a business or individual should use a Certified… Continue reading When Do I Need A CPA?

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